Brief introduction of insurance scheme for foreign students studying in China

Dear classmates parents

Thank you for your support trust in the Ping An pension insurance Limited by Share Ltd. In order to provide you with more comprehensive personal protection, our company has launched a comprehensive student insurance scheme. The following is a detailed description of our products, please read carefully so that you can better understthe insurance products content you need.

1. introduction

If the insured person due to accident or disease caused by medical expenses from the other way (including but not limited to any social insurance medical insurance, public health, work units, the infringer or tort liability, the insurer, the insurer) received compensation, in the deduction of other ways have been obtained after the compensation for the remaining part of the cost according to the contract in accordance with the agreement within the limit of the amount of insurance liability coverage, deductibles, level proportion of payment of insurance money.

Warm prompt: after you insure pay the premium, the certificate issued by Limited by Share Ltd is your insurance right certificate. This material does not serve as the basis for claim settlement。

2. Claims data

(1)Outpatient claims data

A. Medical record book，English name

B. Hospital invoice，English name

C. Copy of Passport

D. Copy of bank card information

E. Drug list

(2)Hospital claims data）：

        A. Medical record book，English name

        B. Hospital invoice，English name

        C. Copy of Passport

        D. Copy of bank card information

        E. Drug list

        F. Certificate of disease diagnosis

        G. Discharge summary

        H. Admission record

3. National unified service telephone: 95511  

Customer service Tel: 0771-5511461 

Reporting telephone number: 0771-5525210

Company address: Guangxi Nanning Qingxiu District Shuangyong road Nanhu square building 26 floor A

4. Policy inquiry: call 95511, or log on safe website www.pingan.com, enter the ping an acor related policy inquiry channels for inquiries.）

Insurance: during the contract period, 1 students a year, Ping An Life Insurance: regular was due to an accident death insurance, the insurance company according to the amount of payment of death insurance; 2, Ping an additional student disability accident insurance: if the insured suffers an accident, since the date of the accident 180 on the cause of accident caused by the additional contract for the "personal injury insurance.

The residual disability evaluation standard ", the company to assess disability projects in accordance with the standard provisions of the evaluation principle, according to the evaluation results of the standards should be multiplied by the proportion of payment of the sum insured accident disability insurance. If the treatment is not finished, the disabled shall be evaluated according to the physical condition of 180th days from the date of the accident, the accidental disability insurance shall be paid accordingly. The insured person caused the accident disability with previous disability can receive more serious accident disability insurance, according to the standard for the more serious payment, but previously been paid accident disability insurance (pre-existing or because of liability exemption due to "personal insurance disability evaluation standard" listed as disabled, for payment accident disability insurance) should be deducted. The insured accident disability insurance accumulative payment insured amount where the accumulative amount of payment to the insured amount, the insured liability insurance termination; 3, Ping an additional student accident medical insurance: if the insured suffers accident treatment in hospital, play within one hundred eighty days of the actual reasonable expenses for medical treatment in accordance with the agreed payment method to pay medical insurance for accidental injury of the company on the date of the accident, but does not exceed the maximum amount of insurance policy agreed; 4, Ping an additional children hospital medical insurance: insured due to accident or thirty days after the effective date of the policy because of the disease, the hospital diagnosis must be hospitalized, the company the actual reasonable expenses for medical treatment in accordance with the agreed payment methods provide inpatient medical insurance, but not exceeding a maximum The amount of insurance policy had agreed (to be hospitalized within 90 days of the insured in the insurance period continued until the additional contract expiration date after the company be liable for paying insurance money). 5, Ping an illness, accident hospitalization subsidies to medical insurance: if the insured suffers diseases accidents, since the accident occurred within 180 days from the date of the accident must be confirmed by the hospital inpatient treatment, the company of each insurance according to the reasonable length of hospitalization multiplied by 100 yuan payment to disease, accident hospitalization subsidies. The cumulative payment days for sickness accidental hospitalization benefits are at most 180 days, the insured liability of the insured shall be terminated by the date of accumulative total payment up to 180 days.

The principle of compensation: the company pays insurance gold in the accident medical insurance hospitalization insurance range, but if the insured person has in other ways (including but not limited to any insurance of social medical insurance, public health, work units, the infringer or tort liability, the company, the compensation) the company, after deducting the other way has been obtained after compensation for the remaining part of the cost, according to the provisions of this contract in accordance with the agreement within the limit of the amount of insurance liability coverage, deductibles, level proportion of payment to pay insurance gold.

If the liability is exempted (an insured accident arising from one of the following circumstances, the insurer shall not be liable for insurance):

(a) the death of the insured person, disabled responsibility: 1, the insured for the insured deliberately killed or injured; 2, the insured intentionally injury, intentional crime or resist criminal coercive measures taken in accordance with the law or Dutch act, but the insured for the Dutch act except a person without capacity for civil conduct; 3, the insurance people fighting, drunkenness, taking or injects drugs; 4, the insured drunk driving, driving without valid driver's license, or driving a motor vehicle without valid driving license; 5, war, military conflicts, riots or armed rebellion; 6, nuclear explosion, nuclear radiation or nuclear pollution; 7. The insured person due to pregnancy (including ectopic pregnancy, abortion, childbirth) (including cesarean section) injury caused by medical accidents; 8, drug allergy, or mental behavioral disorders of the insurer in accordance with the WHO ("the health disease The international statistical classification of health problems (ICD-10) "to determine the injury; 9), the insured is not prescribed, unauthorized use, abuse, drug injection; 10, bacterial or viral infection (except for accidental injury caused by wound infection); 11, the insured person engaged in diving, skydiving, rock climbing, bungee jumping, glider or paragliding, adventure, wrestling, martial arts competition, acrobatics, horse racing, racing other high risk sports. This occurs, causing the death of the insured, disability or medical expenses, the insurer is not liable to pay insurance benefits. This occurs, causing the death of the insured, the insurer terminates the insured liability insurance, the insured return the unearned net premium. (two) the insured liability for accidental medical expenses: 1, is listed in the insurer death / disability clause in 1-11 except responsibility; 2, intervertebral disc herniation (including intervertebral disc bulging, protrusion of intervertebral disc, intervertebral disc protrusion, free disc type); (three) the insured hospital medical expenses responsibility: 1, was listed in the insured death / disability clause in 1-11 except responsibility; 2, 3, is due to venereal disease; medical accident cause plastic surgery or other surgery, the insurer the insured; 4 health examination, recuperation, rest or special care; 5. The insured expenses registration fees, meals, nursing fees, bed fee, heating fee, transportation fee; 6, the insured in China outside the hospital; 7, local regulations of social medical insurance or other medical management departments at their own expense Items drugs; (four) the insured accident hospitalization allowance responsibility: 1, is listed in the insurer death / disability clause in 1-11 except responsibility; 2, during the insurance people infected with HIV or AIDS due to illness; 3, congenital malformation, deformation chromosomal abnormalities, 4; previous disease; 5, infertility treatment, artificial insemination, pregnancy childbirth (including abortion, abortion, childbirth), birth control (including sterilization), prenatal postnatal examination complications caused by the above reasons; 6, 7, STD; nursing, orthopedic, vision correction surgery, surgery, dental care rehabilitation, non accident caused by plastic surgery.

To tell the truth: the company shall inquire about the relevant circumstances of the applicant the insured, the applicant the insured shall truthfully inform him. If the insured or the insured intentionally or by gross negligence fails to fulfill the above obligation, to influence the company's decision whether to underwrite or raise the insurance premium, the company has the right to terminate the contract or cancel the insured insurance eligibility. If the insured or the insured intentionally fails to perform the duty of disclosure to terminate the contract or cancel the occurrence of insurance qualification before the insurance accident, the company shall not be liable for paying insurance money, does not return the insurance premium. If the applicant or the insured due to gross negligence fails to fulfill the obligation to truthfully inform, seriously affecting the occurrence of insured, to terminate the contract or cancel the occurrence of insurance qualification before the insurance accident, the company does not undertake to pay the insurance liability, but shall refund the insurance premium. All the matters to be advised shall be given in writing, shall be null void in spoken form.

Insurance accident notice: the applicant or beneficiary shall notify the company within five days of the date of knowing the occurrence of the insured accident. Otherwise, the applicant or beneficiary shall bear the expenses of the exploration, inspection other expenses arising from the delay in the notification. If the insured or the beneficiary intentionally or by gross negligence, not timely notice of the nature cause of the insurance accident, it is difficult to determine the extent of the loss, the company is unable to determine the part, not be liable for paying insurance money, but the company has been through other ways know or should know the insurance accident or not not timely notice but does not affect the company except to determine the nature cause of the insurance accident, the extent of the loss. Except for delay caused by force majeure.